Embrace vs Spot: dog insurance compared
Plan features side by side, estimated prices for the same dog, and who each plan suits. Embrace and Spot are listed alphabetically; neither pays us to rank it.
- $49/mo est.Embrace, estimated monthly
- $50/mo est.Spot, estimated monthly
- 2%Lower estimate: Embrace
Estimates are for the median breed on BreedSure, 2 years old, national average, 80% reimbursement and a $250 deductible. They are BreedSure model estimates, not quotes.
Side by side
| Feature | Embrace | Spot |
|---|---|---|
| Estimated monthly | $49/mo est. (advantage) | $50/mo est. |
| Reimbursement | 70% / 80% / 90% | 70% / 80% / 90% |
| Deductibles | $200 to $1,000 | $100 to $1,000 |
| Annual limit | $2,000 to unlimited | $2,500 to unlimited |
| Waiting, accidents | 0 days (advantage) | 14 days |
| Waiting, illness | 14 days | 14 days |
| Hereditary conditions | Covered | Covered |
| Exam fees | Add-on or excluded | Included (advantage) |
| Wellness add-on | Available | Available |
| Underwriter | American Modern Insurance Group | Independence American Insurance Company or United States Fire Insurance Company (varies by state/plan) |
Highlighted cells mark a measurable advantage (lower estimate, shorter wait, exam fees included). Plan facts as published by each insurer; the policy documents always control.
Reimbursement. The share of an eligible vet bill the insurer pays back after your deductible. At 80%, a $1,000 covered bill returns $800. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryWaiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryHereditary and congenital. Conditions a dog inherits or is born with, like hip dysplasia. Covered only if they were not diagnosed or showing signs before you enrolled. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryWellness add-on. An optional extra that pays for routine care such as vaccines, check-ups and dental cleanings, which accident-and-illness plans do not cover. More in the glossaryUnderwriter. The licensed insurance company that carries the risk and pays claims. It can differ from the brand you buy from. More in the glossaryWhich one suits you
Embrace may suit you if…
- you want accident coverage to start sooner (0 vs 14 days)
Also worth knowing: Covers curable pre-existing conditions after 12 symptom-free months. Exam fees are an optional add-on.
Spot may suit you if…
- you want vet exam fees included, not sold as an add-on
- you want a deductible as low as $100
Also worth knowing: Flexible limits, no upper age limit to enroll, 24/7 vet helpline.
Estimated price by breed
| Breed | Embrace | Spot |
|---|---|---|
 French Bulldog | $68/mo est. | $69/mo est. |
 Labrador Retriever | $52/mo est. | $53/mo est. |
 Golden Retriever | $58/mo est. | $59/mo est. |
 German Shepherd | $60/mo est. | $61/mo est. |
 Poodle | $45/mo est. | $46/mo est. |
 Bulldog | $75/mo est. | $77/mo est. |
 Rottweiler | $64/mo est. | $65/mo est. |
 Beagle | $42/mo est. | $43/mo est. |
 Dachshund | $46/mo est. | $47/mo est. |
 German Shorthaired Pointer | $48/mo est. | $49/mo est. |
 Pembroke Welsh Corgi | $47/mo est. | $48/mo est. |
 Australian Shepherd | $44/mo est. | $45/mo est. |
See every breed for all 8 insurers, by state.
Embrace vs Spot: common questions
Is Embrace cheaper than Spot?
In our model, Embrace's estimate is about 2% lower for the same dog ($49 vs $50 a month for a typical breed). Real prices depend on your dog's breed, age and ZIP code, so get a quote from both.
Which has the shorter waiting period?
Both make you wait 14 days for illness coverage. For accidents, Embrace waits 0 days and Spot 14. How waiting periods work.
Do both cover hereditary conditions?
Yes. Both cover hereditary and congenital conditions, as long as they are not pre-existing. What counts as pre-existing.